The only time we need additional information is if they are denied.Once accepted, we tell them exactly what we need from them to move in. 

Then it really grows with each additional one. 

Additionally, young adults are living together with no intention of marriage.  

Additionally, I'm working with the RE Ally Property management team, who was able to find a tenant to rent at slightly above market rates without any vacancy.

In southern CA, even garage conversion ADU additions are typically costing more than the value added.  

This eliminates the problem of increasing your debt and damaging your credit score.

These are professionals with additional training and a stricter code of ethics.

There are a lot of market-specific issues you'll have to grapple with and also, there are plenty of landmines in MFR on its own in CT that you'll have to be ready for, in addition to the nuances and complexities of developing something like this.

prices are high, interest rates are high, there is tremendous demand for inventory, and - one thing that doesn't get mentioned enough - a record number of properties are debt free. 

I understand if you want to sell 1 of the lots, but I'm not sure about your concern about paying off the debt so that you own it free and clear.